Call reports 2008
TEXAS STAR BANK — 2008
What TEXAS STAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 223,691,000 | 232,324,000 | 229,615,000 | 244,305,000 |
| Total loans | 187,663,000 | 191,278,000 | 194,679,000 | 195,000,000 |
| Allowance for loan losses | 2,254,000 | 2,311,000 | 2,449,000 | 2,523,000 |
| Securities available for sale | 141,000 | 125,000 | 123,000 | 102,000 |
| Securities held to maturity | 2,362,000 | 2,360,000 | 2,357,000 | 1,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,741,000 | 210,116,000 | 206,769,000 | 221,220,000 |
| Interest-bearing deposits | 155,793,000 | 163,647,000 | 163,749,000 | 175,843,000 |
| Noninterest-bearing deposits | 45,948,000 | 46,469,000 | 43,020,000 | 45,377,000 |
| Equity capital | 16,386,000 | 16,879,000 | 17,244,000 | 18,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,012,000 | 7,869,000 | 11,672,000 | 15,274,000 |
| Interest expense | 1,514,000 | 2,903,000 | 4,212,000 | 5,480,000 |
| Net interest income | 2,498,000 | 4,966,000 | 7,460,000 | 9,794,000 |
| Noninterest income | 800,000 | 1,639,000 | 2,522,000 | 3,493,000 |
| Noninterest expense | 2,389,000 | 4,774,000 | 7,244,000 | 9,287,000 |
| Provision for loan losses | 189,000 | 378,000 | 567,000 | 756,000 |
| Pretax income | 720,000 | 1,453,000 | 2,171,000 | 3,244,000 |
| Income tax | 239,000 | 479,000 | 716,000 | 1,034,000 |
| Net income | 481,000 | 974,000 | 1,455,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,386,000 | 16,880,000 | 17,245,000 | 18,206,000 |
| Total capital | 18,640,000 | 19,191,000 | 19,563,000 | 20,556,000 |
| Risk-weighted assets | 181,626,000 | 184,851,000 | 185,294,000 | 187,802,000 |